Exhibit 12

GMAC LLC

Ratio of Earnings to Fixed Charges

Nine months ended September 30, ($ in millions)	2006			2005
Earnings
Consolidated net income		$1,248			$2,219
Provision for income taxes		815			1,147
Minority interest in consolidated subsidiaries and (income)/loss from equity investees		(29	)		5
Consolidated income before income taxes, minority interest and (income)/loss from equity investees		2,034			3,371
Fixed charges		11,752			9,313
Earnings available for fixed charges		13,786			12,684
Fixed charges
Interest, discount, and issuance expense on debt		11,686			9,239
Portion of rentals representative of the interest factor		66			74
Total fixed charges		$11,752			$9,313
Ratio of earnings to fixed charges		1.17			1.36